McCormick Institute for Early Childhood

BY Robyn Kelton | November 14, 2018


This document may be printed, photocopied, and disseminated freely with attribution.

All content is the property of the McCormick Institute for Early Childhood.

It is no secret that the reward of caring for young children in your home comes with some risks. As a family child care provider, you open your door every day to young children and their families, but you also open your door to many of the risks associated with doing business in your home. Having a sound risk management plan in place will allow you to keep the children in your care safe, healthy, and happy and protect you and your business….


Step 1. Update Emergency Contact Information

Begin your risk management plan with a directory of important contacts—the names, addresses, and phone numbers you may need in case of an emergency. Include yourself, assistants and substitutes, 911, poison control, state licensing agency, health department, landlord, plumber, electrician, the water department, and a neighbor. Post this information in your home along with the current phone numbers for parents and at least one local and one out-of-state back-up contact for each child. Have a portable copy of contacts and emergency information including children’s medical and allergy conditions available to take with you anytime you leave the house.


Step 2. Assess Your Risks

The next step in creating a risk management plan is to generate a list of the specific risks your family child care program is vulnerable to. Think about the risks that are unique to your location and the population of families you serve. Consider contacting your local Red Cross to learn what disasters are likely to occur in your area and how to best prepare. The National Association for Family Child Care (NAFCC) encourages providers to think about four major categories of risk: injuries to children, damage to property, lawsuits, and car accidents. Think about your program and create a list of potential emergencies and risks that need to be addressed in your risk management plan.


Step 3. Write Procedures for Handling Different Scenarios

After you have created a list of potential emergencies, you can begin writing your risk management plan. According to the Business Administration Scale for Family Child Care, a risk management plan should include clear procedures to follow in the event of an emergency, guidelines to reduce the risk of child abuse or neglect allegations, steps to maintain the safety of people, property, and equipment, and procedures regarding the release of children. Use these four categories as a guide for creating your risk management plan.


Procedures to follow in the event of an emergency.

This section should contain all of the potential program risks you identified in step 2. Situations might include a fire, tornado, hurricane, earthquake, flood, power outage, vehicle accident, lost or missing child, and the injury of child, parent, or staff member. For each emergency situation, create specific procedures that clearly identify what steps are to be taken. Be sure to include evacuation and sheltering procedures and communication guidelines for notifying parents and authorities. Time is critical during an emergency so keep the information simple and easy to read.


Guidelines to reduce the risk of child abuse or neglect allegations.

There is no faster way to shut down a family child care program than with allegations of abuse of neglect. Here you will identify the ways to reduce the likelihood of being accused of child abuse or neglect. This is more than having a policy stating that you are a mandated reported because the goal of this section is to prevent allegations against you or your program. Policies in this section may include an open-door policy stating that parents are welcome to visit at any time, maintaining daily sign-in and sign-out sheets, the use of accident reports, and conducting daily health checks.


Procedures to maintain the safety of people, property, and equipment.

Procedures to maintain the safety of people, property, and equipment may include policies about universal precautions, hand washing, sterilizing toys, the annual replacement of smoke alarm batteries, and servicing of fire extinguisher. Don’t forget to include your outdoor play area as well with policies and procedures to make sure the area and equipment are clean and safe.


Procedures regarding the release of children.

Most programs have procedures they follow regarding the release of children; however, a lot of programs neglect to put those procedures in writing. When you are working on this section of your risk management plan, make sure you include all of your policies concerning who is authorized to pick-up children, the requirement of advance written notice to add a new person to pick-up authorization, and your procedures for checking identification when an unfamiliar person picks up a child.


Also include any policies and procedures you may have that protect children from being released into potentially harmful situations. Examples of this might include procedures to protect against children being released to anyone under the influence or transporting children without the appropriate car seat or seatbelt. These can be tense situations and you may find it helpful to define how you will respond if such a situation occurs. Be sure that these procedures are in writing and have been shared with parents ahead of time so that if a situation occurs everyone is clear on how you will respond.


Step 4. Implement and Distribute Your Plan

Having clear policies and procedures in writing is only half the battle, if you want them to be effective you have to implement them. One of the first steps in implementing your new or updated plan is to share it. Making sure all the adults in your program (parents, assistants, volunteers, and your family) are familiar with your risk management plan will help you to smoothly implement your policies and procedures, especially if a real emergency occurs.


Step 5. Review Your Plan

A risk management plan is not a static document. As the year goes on you may find that updates and additions are necessary. Additionally, it is a good idea make a habit of reviewing your full plan once a year. Ask the adults in your program to review it with you and make sure that you date your review and revisions so that you have a written record of when changes were made.


Provider’s Toolbox

Are You Prepared?

Evaluating your ability to minimize risk and/or respond to disasters can help improve your success in those situations. Take a few moments to complete the following checklist.

A checklist that says do you have clear written procedures to follow in the event of an emergency

Step 6. Get Insured

In addition to having a risk management, protect yourself and your business by purchasing the appropriate insurance. If there is a flood in your basement and you have not shared with your insurance company that your home is also used for your business and purchased insurance specifically to protect it, there is little guarantee that your homeowner’s insurance will cover you. The best way to protect yourself and your business is with comprehensive business liability insurance and business property insurance. Comprehensive business liability insurance should provide you with coverage for professional liability, legal defense in case of a lawsuit, child abuse, medical costs of an injured child or parent, personal injury, and accidents occurring away from the home. If you are transporting the children in your care, you should also look into commercial auto insurance to make sure you are covered in case of an accident. Although insurance policies can be difficult to understand your best bet is to be honest with your insurance company, ask as many questions as you would like, and do your research to make sure you get the best coverage that you can afford.


In Sum

As a family child care provider, you spend many happy hours caring for children in your home, but in doing so you are also opening yourself up to the risks associated with running a business in your home. One of the best ways you can protect yourself and the children in your care is to develop and implement a written risk management plan. Having clear written policies and procedures in place will not only help reduce the likelihood of an accident occurring but will also help minimize the damage should a crisis occur.


Adapted from Steffen, P. (2010, Spring). SOS for your RMP (Risk Management Plan). Director’s Link. Wheeling, IL: National Louis University, McCormick Center for Early Childhood Leadership.


Robyn Kelton is a trainer and national reliability anchor for the Business Administration Scale for Family Child Care (BAS) at the McCormick Center for Early Childhood Leadership at National Louis University. For more information about the BAS or training opportunities contact Robyn at Robyn.Kelton@nl.edu or click here to learn more.


References

Copeland, T., & Millard, M. (2004). Legal & insurance guide. St. Paul, MN: Redleaf Press.

National Association for Family Child Care. (2013). Managing the major risks in family child care through insurance. Salt Lake City, UT: Author. Retrieved from http://www.nafcc.org/index.php?option=com_content&view=article&id=214: managing-the-major-risks-in-family-child-care-through-insurance&catid=55:business-center-legalinsurance-&Itemid=662

Talan, T. N., & Bloom, P.J. (2009). Business administration scale for family child care. New York, NY: Teachers College Press.

By Cara Murdoch February 16, 2026
In early childhood education and care (ECEC), we know that some of the simplest ideas can carry the biggest lessons—and many of us have been singing “The Ants Go Marching” for years without realizing it might also be a leadership guide. Ants may be tiny, but their colonies run on teamwork, communication, flexibility, and a clear sense of purpose—all things ECEC programs rely on every day. By taking a closer look at how ants work together to support their colony, early childhood leaders can discover practical and familiar ways to strengthen teamwork, value every role, and lead programs where everyone is marching in the same direction for children and families. Ants are busy creatures; they work with a purpose and know their jobs in the colony. Ants exhibit teamwork and collective effort. Ant colonies demonstrate intelligence, division of labor, communication systems, and cooperative behaviors. They can recognize and respond to the colony's needs. They overcome their challenges through trial and error, learning from their experiences, and sometimes even develop innovative strategies. In the ant colony, individual ants work together as a unit, each with a unique role that determines the colony's survival and success. The ant colony functions just like a superorganism, where the actions of each individual ant are a part of the highly efficient system that supports the whole colony. This concept of collective action is closely related to human teamwork! Ants have a lot to teach us, as we work in ECEC. teamwork Just as ants collaborate, relying on their communication and coordination to complete tasks, humans thrive when working together, as each individual brings their own unique skills and perspectives to their “colony.” Ants depend on each other. Each ant has a specialized job, and the colony relies on the cooperation and coordination of all its members to thrive and survive. Each ant’s contribution, no matter how small it may seem, is vital to the success of the colony as a whole, and the strength of the group is built on the cooperation of each individual. Similarly, in ECEC programs, teamwork — working together and helping one another —leads to better results than trying to do everything alone! When we collaborate, we pool our strengths, share our knowledge, and support each other, which can lead to more creative and efficient solutions. Each person in the program brings unique skills and perspectives, filling gaps and helping compensate for one another’s weaknesses. This shared effort allows your program to tackle tasks and achieve goals that would be difficult, if not impossible, for one individual to accomplish on their own... just like in an ant colony! Adapting to face challenges Ants are highly adaptable creatures. Have you ever watched a disrupted colony hurry to move the uncovered eggs to a protected space? They respond quickly to changes or disruptions in their environment. Their ability to quickly assess new situations and adjust their behavior will help the colony continue to function efficiently, even when the unexpected happens. Their adaptability is the key to their survival, allowing them to overcome obstacles and thrive. Early childhood programs also need to adapt to challenges. When unexpected changes occur, each person needs to be flexible and find new ways to contribute to the program's success. Just as ants adjust, programs must reassess their strengths, collaborate, and develop alternative solutions. Adaptability is essential for proper teamwork! honoring individual roles In an ant colony, different ants take on very specific roles. There are worker ants, soldier ants, and the queen ant. Each ant’s role is crucial to the success and survival of the colony, and all roles are interdependent; they work together to achieve common goals. This division of labor that exists in an ant colony can be compared to the different roles and unique talents found in an ECEC program. Just as ants rely on each other to perform specific tasks, each ECEC team member brings their own expertise and skills to the program. In a project or workplace setting, one person may excel at brainstorming creative ideas, another might be skilled at organizing tasks and managing timelines, and someone else may be particularly adept at technical skills or problem-solving. This diversity of roles within a team ensures that every aspect of a project or goal receives focused attention. In center-based programs, there are the director, teachers, kitchen staff, and other roles as needed. The diversity of roles in a program helps to ensure that the program is successful and thrives. clear purpose and goals In an ant colony, survival is the common goal. The colony’s success depends on each member performing its specific role. Their unwavering focus on the survival of the colony is connected to their success. It demonstrates the power of their collective action, driven by a clear and unified goal. ECEC programs thrive when they are aligned around a shared and clear purpose and goals. When program members understand and commit to their common goals, the well-being and growth of children and families, their efforts will become more effective and coordinated. Just as ants bring different strengths to the program, each person brings different strengths to the program. It is alignment around shared goals that enables the program to overcome challenges and succeed. When everyone in the program is clear on the goals and helps work together toward them, the whole program becomes more focused, resilient, and motivated - just as an ant colony becomes stronger when every member is working toward survival! Ants work together harmoniously to achieve their common goals; they set aside individual competition in favor of colony cooperation. Each ant focuses on its specialized task. This spirit of ant cooperation is key to the colony's survival and success, as it enables the colony to accomplish more complex tasks than any single ant could manage alone. ECEC programs can benefit from adopting a similar approach that emphasizes collaboration and shared goals over individual achievement. In an ECEC program, when members support each other and work together, they can leverage each person’s strengths to accomplish more than they could individually. Instead of competing for recognition or resources, each member can focus on the program’s success, fostering a more positive and productive environment. learning from ants Ants have so much to teach ECEC programs when it comes to cooperating and working together as an effective team. Whether it's knowing your own role and abilities, supporting each of your fellow team members, communicating clearly and effectively, being flexible, or avoiding competition, the ant colony is an excellent example of these qualities! Let your ants go marching!!! Ant Life, author unknown I am just an ant, A small life is what I live, But I have dreams for bigger things And so much more to give If only I could grow A foot or two would do I could live a life That others look up to.
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